Dubai has become one of the most attractive destinations for Indian property buyers. With world-class infrastructure, high rental yields, and no taxes on property buying in Dubai, Indians now rank among the top foreign investors in the emirate’s real estate sector. But before making your investment, it’s important to understand the process to buy Dubai property Indian citizens must follow, as well as the legal rules that apply.

This guide walks you through the step-by-step process of buying property in Dubai as an Indian, so you can invest confidently and securely.

Step 1: Understand the Legal Rules for Indians in Dubai Real Estate

One of the biggest concerns for Indians is whether they are legally allowed to buy property in Dubai. The good news is: Yes, Indians can buy real estate in Dubai. However, purchases are limited to freehold areas designated by the Dubai government.

Key Legal Rules Indians Should Know:

• Freehold Ownership: Indians can own property in freehold zones with full rights to sell, rent, or pass it on to heirs.
  
• Leasehold Properties: Some properties are available on long-term leases (30–99 years).
  
• No Taxes: There are no income taxes or capital gains taxes on property transactions.
  
• Regulation: All property transactions are governed by Dubai Land Department (DLD) and Real Estate Regulatory Authority (RERA), ensuring buyer protection.
  

Step 2: Choose Between Off-Plan and Ready Properties

Before starting the purchase process, Indians need to decide whether to buy:

• Off-Plan Property: Projects under construction with flexible payment plans.
  
• Ready Property: Completed units available for immediate possession and rental income.
  

Both have advantages, but the process to buy Dubai property Indian buyers prefer is slightly different for each (off-plan requires developer contracts, while ready property involves title deed transfer).

Step 3: Select the Location and Budget

Dubai offers multiple communities for Indian investors:

• Luxury Buyers: Downtown Dubai, Palm Jumeirah, Dubai Marina.
  
• Affordable Investors: Jumeirah Village Circle (JVC), Dubai South, Dubailand.
  
• Family Living: Arabian Ranches, MBR City, DAMAC Hills.
  

Once the location is finalized, set a budget. Remember that besides the property price, there are some mandatory fees, such as:

• DLD Registration Fee: 4% of the property value.
  
• Oqood Fee (for off-plan): AED 5,250.
  
• Trustee Office Fee: AED 2,000–4,000.
  

Step 4: Sign the Sale Agreement (Form F)

After choosing the property, the buyer and seller sign a Memorandum of Understanding (MOU), also known as Form F, registered with the DLD.

• This agreement outlines the terms of the purchase.
  
• A 10% deposit is usually paid to secure the deal.
  
• The funds are held in an escrow account for security.
  

This step ensures both the developer/seller and the Indian buyer are legally bound to the transaction.

Step 5: Arrange Financing (If Needed)

Indians can either pay in cash, use remittances under RBI’s Liberalized Remittance Scheme (LRS), or apply for a home loan in Dubai.

• Mortgages for NRIs: UAE banks typically finance up to 75–80% of the property value.
  
• Remittance Limits: Under LRS, Indians can legally remit up to USD 250,000 per year for foreign property investment.
  

Step 6: Transfer Ownership at Dubai Land Department

The final step is the title deed transfer at the Dubai Land Department.

• Buyer, seller, and their agents meet at a trustee office.
  
• The remaining balance is paid via manager’s cheque.
  
• The DLD issues a Title Deed in the Indian buyer’s name.
  

From this moment, you are the legal owner of your Dubai property.

Step 7: Enjoy the Benefits of Owning Property in Dubai

Once the process is complete, Indian buyers can enjoy several advantages:

• High Rental Yields: 6–9% annually, much higher than Indian metros.
  
• Residency Options: Properties worth AED 750,000+ make buyers eligible for a UAE residency visa.
  
• No Taxes: With no taxes on property buying in Dubai, investors keep more of their returns.
  
• Safe Market: RERA regulations protect buyers from fraud or mismanagement.
  

Quick Checklist for Indian Buyers

✅ Confirm property is in a freehold zone.
✅ Verify developer’s RERA registration.
✅ Factor in DLD and administrative fees.
✅ Choose between ready and off-plan.
✅ Use official banking/remittance channels.
✅ Complete title deed transfer at DLD.

Final Thoughts

For Indians, the process to buy Dubai property is straightforward, transparent, and legally protected. With clear legal rules for Indians in Dubai real estate, the market remains one of the safest and most profitable choices for global investors.

Whether you’re buying for personal use, rental income, or long-term capital appreciation, Dubai’s tax-free real estate sector ensures maximum benefits.

If you follow the step-by-step process carefully, your Dubai property journey can be smooth, secure, and highly rewarding


📞 Contact Us Today! Find your dream property in Dubai with Asset and Keys. Let our experts help you make a smart investment decision.

🔹 Call/WhatsApp: +971 58 947 5347
🔹 Email: info@assetandkeys.ae
🔹 Visit Our Website: www.assetandkeys.ae
🔹 Please connect with us on Whatsapp‬‬‬‬‬

Invest with confidence—your perfect property in Dubai is just a step away!